As financial advisors, you are masters of optimization, maximizing returns, minimizing taxes and fine-tuning asset allocation. But the greatest risk to a well-crafted plan is long-term care, not a market correction. Scottish poet Robert Burns said it best: "The best laid plans of mice and men often go awry." In the wealth management industry, the "awry" moment is an unexpected, six-figure medical expense that isn’t covered by Medicare, which may drain a client’s retirement nest egg. The solution?